We make decisions based on what we think is fair and reasonable, accounting for the unique circumstances of each case we receive. We anonymise our decisions and write them in a way that prevents the person or small business complaining from being identified.
This database holds all the final decisions we’ve published since 1 April 2013 under the Financial Services and Markets Act 2000, as amended by the Financial Services Act 2012.
Your search returned 1021 results
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Decision Reference DRN-4142791
5 Jun 2023 NewDay Ltd UpheldBanking and PaymentsDRN-4142791 The complaint Mr K complains that NewDay Ltd lent to him irresponsibly. What happened In December 2019 Mr K applied for an Argos card. NewDay approved the application and gave Mr K a card with an initial credit limit of £500 The credit limit was increased to £500 in December 20... (3 pages)View decision -
Decision Reference DRN-5100659
3 Dec 2024 NewDay Ltd Not upheldBanking and PaymentsDRN-5100659 The complaint Mr R complains that NewDay Ltd trading as Aqua was irresponsible in its lending to him. He wants all interest, fees and charges refunded along with statutory interest and any adverse information removed from his credit file. Mr R is represented by a third party... (2 pages)View decision -
Decision Reference DRN-4527975
18 Jan 2024 NewDay Ltd UpheldBanking and PaymentsDRN-4527975 The complaint Mr S complains that NewDay Ltd was irresponsible in its lending to him. What happened Mr S first raised his complaint in 2019 and says that he didn’t receive a response from NewDay at that time and when he raised this again NewDay said it wouldn’t reopen his compl... (3 pages)View decision -
Decision Reference DRN-4076598
18 Apr 2023 NewDay Ltd Not upheldBanking and PaymentsDRN-4076598 The complaint Mr A complains NewDay Ltd trading as Fluid (NewDay) acted irresponsibly when it approved a credit card account for him. What happened Mr A says he applied for a credit card with NewDay in August 2020, and he was provided with a credit card limit of £1,200. Mr A sa... (2 pages)View decision -
Decision Reference DRN-3495402
13 Jun 2022 NewDay Ltd UpheldBanking and PaymentsDRN-3495402 The complaint Ms H complains that NewDay Ltd, trading as Debenhams, lent to her irresponsibly. What happened In November 2020 Ms H opened a credit card account with NewDay. She had an account limit of £500 which didn’t change during the life of the account. Ms H says that NewDa... (3 pages)View decision -
Decision Reference DRN-3807433
21 Nov 2022 NewDay Ltd Not upheldBanking and PaymentsDRN-3807433 The complaint Mrs D says NewDay Ltd, trading as Aqua, irresponsibly lent to her. What happened Mrs D applied for a card in July 2018. She was approved and given a £300 limit. Her credit limit was never increased. Mrs D says NewDay should never have given her this unaffordable c... (2 pages)View decision -
Decision Reference DRN-5610090
9 Jun 2025 NewDay Ltd Not upheldBanking and PaymentsDRN-5610090 The complaint Mrs S complains that NewDay Ltd trading as Marbles Card was irresponsible in its lending to her. She wants all interest and charges refunded along with statutory interest and any adverse information removed from her credit file. Mrs S is represented by a third ... (4 pages)View decision -
Decision Reference DRN-4569546
4 Mar 2024 NewDay Ltd Not upheldBanking and PaymentsDRN-4569546 The complaint Miss N complains that NewDay Ltd was irresponsible in its lending to her. What happened Miss N was provided with three credit cards by NewDay. An Opus credit card in April 2018 with an initial credit limit of £600 which was then increased on three occasions result... (3 pages)View decision -
Decision Reference DRN-5342835
22 Apr 2025 NewDay Ltd UpheldBanking and PaymentsDRN-5342835 The complaint Mr B complains that NewDay Ltd irresponsibly lent him a credit card account and increased the credit limit. What happened Mr B opened an Aqua branded credit card account with NewDay in August 2008, with a credit limit of £750. NewDay then increased the credit l... (3 pages)View decision -
Decision Reference DRN-4430612
18 Dec 2023 NewDay Ltd UpheldBanking and PaymentsDRN-4430612 The complaint Mrs H complains that NewDay Ltd trading as Aquacard was irresponsible in its lending to her. What happened NewDay provided Mrs H with a credit card. She says that between 2017 and 2019 she was struggling financially which would have been seen from her defaults. Sh... (3 pages)View decision
